Loan Against Property

Unlock the value of your property with FUNDIFFY's loan against property. Get quick approval, competitive rates, and flexible repayment options.

Why Choose FUNDIFFY Loan Against Property?

Low Interest Rates

Starting from 8.50% p.a. with flexible repayment options and no hidden charges

Quick Approval

Get loan approval within 7-10 days with minimal documentation and hassle-free process

50+ Lenders

Compare offers from top banks, NBFCs, and housing finance companies

100% Secure

Your property and data are completely safe with bank-level security protocols

Loan Amount

₹10,00,000 - ₹10,00,00,000

Up to 70% of property value with flexible loan amounts

Interest Rate

8.50% - 15% p.a.

Competitive rates starting from 8.50% with flexible tenure options

Loan Tenure

5 - 20 years

Choose flexible repayment period that suits your financial situation

Processing Time

7-10 days

Quick approval and disbursement within 7-10 business days

Types of Properties Accepted

Residential Properties

Houses, apartments, villas, and residential plots

  • Self-occupied properties
  • Rental properties
  • Under-construction properties

Commercial Properties

Office spaces, shops, warehouses, and commercial plots

  • Retail spaces
  • Office buildings
  • Industrial properties

Industrial Properties

Factories, manufacturing units, and industrial land

  • Manufacturing units
  • Warehouses
  • Industrial plots

Land & Plots

Residential and commercial plots with clear titles

  • Residential plots
  • Commercial plots
  • Agricultural land (converted)

Eligibility Criteria

Age

21 - 65 years

Employment

Salaried or Self-employed

Income

₹25,000+ per month

Credit Score

700+ (Fair to Good)

Property Ownership

Clear title and ownership

Experience

2+ years

Required Documents

Personal Documents

  • Aadhaar Card
  • PAN Card
  • Passport
  • Driving License

Address Proof

  • Aadhaar Card
  • Utility Bills
  • Rent Agreement
  • Bank Statement

Income Proof

  • Salary Slips (3 months)
  • Bank Statements (6 months)
  • IT Returns (2 years)
  • Form 16

Property Documents

  • Sale Deed
  • Property Tax Receipts
  • NOC from Society/Builder
  • Approved Building Plan
  • Encumbrance Certificate

Apply for Loan Against Property

Frequently Asked Questions

What is the maximum loan amount I can get against my property?

You can get up to 70% of your property's market value as a loan. The maximum amount depends on the property value, your income, and credit profile.

How long does it take to get loan approval?

With FUNDIFFY, you can get loan against property approval within 7-10 days. The entire process from application to disbursement typically takes 2-3 weeks.

Can I use a rented property as collateral?

No, you cannot use a rented property as collateral. The property must be owned by you with a clear title and ownership documents.

What happens if I default on the loan?

In case of default, the lender may take possession of your property to recover the loan amount. It's important to make timely payments.